Cheaper 1995 Chevrolet Blazer Car Insurance Quotes

Paying for expensive Chevrolet Blazer insurance can bottom out your budget and make it hard to pay other bills. Price shopping at each renewal is an excellent way to make sure you’re not throwing money away.

Multiple insurance companies compete to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest price

If you have a current auto insurance policy or need new coverage, you can use this information to find better prices and possibly find even better coverage. Finding the best rates is not that difficult. Consumers just need to understand the proper way to get comparison rates on the web.

The quickest method we recommend to compare insurance rates from multiple companies is to know the trick most of the bigger providers pay for the opportunity to give you rate quotes. All you need to do is provide a little information like whether you are single or married, if you lease or own, what you do for a living, and daily mileage. Your information gets transmitted to many different companies and they return rate quotes quickly.

To compare rates now, click here and enter your zip code.

The ad said I’d save $460 a year!

Consumers can’t escape the ads for the lowest price insurance coverage from companies such as State Farm and Allstate. They all seem to try to convey promises about how much you will save after switching your coverage to them.

But how can every company make the same claim? Here is how they do it.

Companies have an ideal profile for the type of customer that makes them money. For instance, a profitable risk profile might be described as between the ages of 30 and 50, carries high limits, and has a high credit rating. Someone who matches those parameters receive the lowest rate quotes and have a good chance to cut their rates substantially.

Drivers who do not meet these standards will be charged higher prices which leads to the customer not purchasing. The trick is to say “drivers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently make those statements.

Because of these techniques, you really need to get insurance quotes from several different companies. It’s impossible to know with any certainty which company will provide you with the cheapest rates.

Discount insurance rates

Insurance is expensive, but you might be missing out on some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time of purchase, but some discounts are required to be asked for before being credited.

  • Early Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Auto/Home Discount – When you combine your auto and home insurance with the same insurance company you may earn 10% to 20% off each policy.
  • Driver Safety – Completing a course that instructs on driving safety could earn you a small percentage discount if you qualify.
  • Accident-Free Discounts – Insureds who avoid accidents and claims pay much less as compared to policyholders that have many claims.
  • No Charge for an Accident – This one is not really a discount per se, but companies like Libery Mutual, GEICO and Allstate will let one accident slide before raising your premiums if you are claim-free prior to the accident.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for Blazer insurance with a few insurance companies.
  • Low Miles Discount – Fewer annual miles on your Chevy could earn discounted premium rates on garaged vehicles.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Save with a New Car – Buying a new car instead of a used car may earn a small discount because new model year vehicles keep occupants safer.

Consumers should know that most of the big mark downs will not be given the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky.

Some of the insurance companies that possibly offer most of the discounts above include:

When getting a coverage quote, ask all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not apply in every state. To choose companies that provide some of the discounts listed above, follow this link.

Tailor your insurance coverage coverage to you

When buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. For example, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Do I need higher collision deductibles?
  • Do I need rental car coverage?
  • Am I covered if I break a side mirror?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my 1995 Chevy Blazer qualify for pleasure use?
  • Does my policy pay for OEM or aftermarket parts?
  • What is the rate difference between pleasure use and commuting?
  • What is UM/UIM insurance?
  • Should I bundle my homeowners policy with my auto?
  • Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Specific coverage details

Knowing the specifics of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Collision coverage protection

This coverage covers damage to your Blazer caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, colliding with another moving vehicle, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for pain medications, rehabilitation expenses and hospital visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage

This coverage will cover damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as structural damage, loss of income and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Chevy Blazer.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, damage from flooding, hitting a bird and fire damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

More effort can pay off

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where someone dropped liability limits or collision coverage to discover at claim time that it was a big mistake. Your focus should be to purchase plenty of coverage at the best price and still be able to protect your assets.

Cost effective 1995 Chevy Blazer insurance is attainable on the web in addition to local insurance agencies, so you need to quote insurance with both so you have a total pricing picture. Some insurance providers may not have internet price quotes and many times these regional insurance providers work with independent insurance agents.

We just covered many tips how you can reduce 1995 Chevy Blazer insurance prices online. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance comes from some of the smallest insurance companies. They may have significantly lower rates on certain market segments than their larger competitors like State Farm or Progressive.

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